RV Insurance

YOUR HOME ON WHEELS NEEDS COVERAGE TOO

Keep your family and belongings protected and your road trips running smoothly. Below are some basic RV insurance coverageswith a few extras coverage options so you can adventure more and worry less.

Bodily Injury Protection

This RV insurance coverage protects you against financial loss when you are held legally responsible for an automobile accident causing injury or death to someone else. This insurance coverage also includes the legal costs involved in your defense for a covered suit as well as court costs and bail bond expenses.

Property Damage Liability

This RV insurance coverage protects you from financial loss if you are found liable for damage to other people’s property (e.g. light poles, fences, another vehicle, etc.) caused by your vehicle.

Uninsured Motorist Bodily Injury

This coverage pays bodily injury or death expenses for you and any passengers in your vehicle up to your policy limits if you’re struck by a driver who doesn’t have insurance, or if you’re struck by a “hit-and-run” driver that you cannot identify.

Uninsured Motorist Property Damage

This coverage pays for damage to your vehicle when it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose Property Damage Liability limit is inadequate to cover the property damage losses incurred.

Underinsured Motorists

This insurance coverage pays benefits for the bodily injury or death of you and any passengers in your vehicle if you are involved in an accident caused by a driver who has some insurance, but not enough to cover the losses that result from the accident.

Personal Injury Protection (No-Fault)

This coverage pays benefits for the cost of personal injuries resulting from an automobile accident. Coverage applies without regard to who was at fault in the accident. It applies only to injuries, and it does not cover damage to a vehicle, or to any other property.

Medical Payments

This coverage pays reasonable and necessary medical expenses up to the selected limits, directly resulting from an auto accident. This may include medical care, recovery, rehabilitation and remedial care, as outlined in your policy. Coverage varies by state.

Collision Coverage

This coverage pays for damage to your covered vehicle (up to its actual cash value), less the deductible amount, for losses caused by collision. Collision means contact with a physical object, such as another vehicle or a structure. If you plan to purchase Collision coverage, selecting a higher deductible generally helps to reduce the cost of your insurance.This coverage is available only if you carry Comprehensive coverage.

Comprehensive Coverage

This motorhome insurance coverage pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, as a result of damage caused by events such as: fire, theft, glass breakage, riot, windstorm and hail.